DISCOVER BANK

2017-07-26

Detroit, MI

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Overcharged for something you did purchase with the card
Complaint: I had two Discover credit cards XXXX and XXXX which I stop using in XX/XX/XXXX due to them moving money from one card to the other, adding charges that were not mind and others. I did a XXXX for law suites against XXXX and noted quite a few of the that required them to pay back their card holder the money that they illegally charged. I did not receive any refunds from then in fact the assed more charges to my cards because I stop using them! They also tried to get money out of my bank and from another credit card that I have! One of many court order that XXXX is not following. The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-07-26

Fort Mill, SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-07-25

Pacific City, OR

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: On XX/XX/16, Discover bank informed me about dispatch of new credit card with updated chip technology. On XX/XX/16 I found there were 4 charges on my account which I did n't make. The charges were : XX/XX/16 : XXXX XXXX ( XXXX CA ) - {$320.00} XX/XX/16 : XXXX ( XXXX CA ) - {$610.00} XX/XX/16 : XXXX ( XXXX, CA ) - {$620.00} XX/XX/16 XXXX ( XXXX XXXX XXXX, CA ) - {$810.00} The total amount of unauthorized charges was {$2300.00}. On the same day I reported Discover bank about it and froze the account and few days later I approached local police department ( Case : XXXX ). Bank did investigation on their part and held me responsible for the above charges because the new card was sent to my address and was activated on XX/XX/16 using my phone number. To prove my innocence I submitted my call records but they said that is n't enough and asking for proof like video footage of person who made those transactions. Fortunately, XXXX CA police managed to get video footage of the person making transaction of {$610.00} on XX/XX/16. In their report they described that person and mentioned that the person is n't me. ( XXXX : XXXX ) Even with all these proofs, Discover bank is holding me responsible for those unauthorized transactions.
Company Response: Closed with explanation

Timely Response

2017-07-25

Elkins Park, PA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-07-25

El Paso, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-07-25

MT

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: I have called Discover three times to get this straightened out. I called and agreed to pay {$26.00} and they would waive the late fee. I did it. via phone pay. They did not waive the late fee. I got another bill for {$26.00} late fee. I called. They said the would waive it. I got another bill with two late fees. They keep charging me a late fee. The account should have been zeroed.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-25

Rochester, NY

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Banking errors
Complaint: On or about XX/XX/XXXX, I opened a certificate of deposit with Discover Bank under the XXXX XXXX XXXX promotion. I was supposed to receive a {$50.00} credit for depositing {$2500.00}. The credit was never applied. I have contacted Discover Bank over the last 6 months several times and was promised that the matter would be investigated. I received no response. On or about XX/XX/XXXX, I contacted Discover Bank again and received a response from XXXX, stating that I did not meet the funding requirement of the promotion and that I needed to fund {$2500.00} in one transaction. I deposited two {$1200.00} deposits, two weeks apart. I advised XXXX that the terms and conditions of the account and the promotional flyer did not specify that the {$2500.00} must be funded in one transaction. I request CFPB assistance as I have not been able to resolve this matter directly with Discover Bank.
Company Response: Closed with monetary relief

Timely Response

2017-07-25

Detroit, MI

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: I had two Discover credit cards XXXX and XXXX. About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the one card ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards. Next the started transferring money from one card to the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.
Company Response: Closed with explanation

Timely Response

2017-07-25

Detroit, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I ha d two Discover cre dit cards XXXX and XXXX . About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the one c ard ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards. Next the started transferring money fro m one card t o the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court. In additi on Discove r rep orted late payments, over drafts and others to the credit reporting agencies racking my credit causing me to have to pay more in Insura nces.
Company Response: Closed with explanation

Timely Response

2017-07-25

Detroit, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Due to the 15 plus years of computer hacking, Computer errors, with drawing funds out of my bank, trying to transfer money for my other credit card by Discovery Bank, I am now being treated for XXXX XXXX XXXX by the VA hospital. I have forgotten that Discovery took money out of my bank with out my authority almost causing me to bunch checks. And trying to transfer money with out my authority from my other credit cards. Telling me that the will have me jail if I do not pay them what they say. And now because I stop paying the illegal charges, over drawing, late fees transfer fees and others they are taking me to court.
Company Response: Closed with explanation

Timely Response

2017-07-25

Brickerville, PA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2017-07-25

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-07-24

Arco, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I filed immediate complaint w/ Discover Card about a VETRENARIAN VISIT advertising " free exam '' X/XX/2017 ( my pet ) never got physical exam, ( in my presence ) no call back on, XXXX XXXX results or diagonosis. nothing for over a month. ( my cat is male they said he was female, my cat is XXXX & has XXXX XXXX and they said he was n't like that when they saw him? ) Called/e-mailed this vendor, XXXX XXXX XXXX MANY times. They said exam was done in the " back room '' where they took his blood? I filed a DISPUTE w/Discover Card # XXXX.Discover refunded me the $ ( {$88.00} ) at first then charged me back. The vendor sent them 7 pages of questionable /info on my cat.I NEVER SAW or GOT any of this from them, this is 2 months later ... The info they supplied Discover Card was wrong/lied, Discover Card is ignoring my Better Business Bureau complaint, the CA Vetrenarian Assoc. , complaint, numerous online complaints from others about this business and are taking sides w/ the BAD VENDOR .... XXXX does n't do this, they refund you bad vendor purchases w/ a string of complaints ... .I am NOT paying this bill ... .I still do n't know what is wrong w/y cat and DISCOVER CARD is USELESS in protecting consumers. pb
Company Response: Closed with monetary relief

Timely Response

2017-07-24

Detroit, MI

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company forcing arbitration
Complaint: To Whom It May Concern: About XX/XX/XXXX I started getting $2,000 to $5,000.00 charges on my credit cards a month from a cosmetic company! I would contest these charges; they would be dropped only to show up on another card the next month! This XXXX went on for years, could not get through to the people in XXXX that I am a man and do not use cosmetic. After 6 to 7 years of this XXXX the charges stopped! Then Discover stated the $4,000.00 to $8,000.00 transfers from card to card. With late fees, overdrawn fees, fees on top of fees. I stop using all their cards in XX/XX/XXXX except XXXX. They stopped charges. Well in XX/XX/XXXX, I was informed that my claim for XXXX from Social security and the Veterans Administration was approved< but is seems that the insurance company or the credit card company were informed of this before I was and canceled my XXXX and XXXX insurance. I sat down and figured how much I did owe them and stop paying when I hit that amount.
Company Response: Closed with explanation

Timely Response

2017-07-24

FL

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: Company closed the account with a balance of {$1700.00} and now send me some collections letters and harassment calls daily. I have to block the number from my phone getting so many calls daily. Account was closed X/XX/17 and never get any issues until now. I want the harassment to stop and the letters immediately.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-24

Akron, OH

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Problem lowering your monthly payments
Company Response: Closed with monetary relief

Timely Response

2017-07-24

Wickes, AR

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: On my XXXX XXXX account there is a reference to an old Discover card account that indicates it is " active ''. I contacted Discover card services in Delaware, spoke to a representative named XXXX, gave him the account last 4 numbers, and was informed that I had no active account with them, and that their records did n't go back further to identify me or my wife as a card holder. Which is interesting since this account shows I have a {$3900.00} balance. Since I ma quite certain that I do not use, nor intend to ever use Discover in the future I 'd like to get this information corrected.
Company Response: Closed with explanation

Timely Response

2017-07-24

Lake Bridgeport, TX

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2017-07-24

CA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: On XX/XX/XXXX I spoke to XXXX ext. XXXX from Discover student loans. He advised me, that given my situation, if I enrolled into course on a part-time basis in the Fall ( XXXX ), then my past due payment would automatically would become current. He advised that once I sent in the deferment form along with a school registration receipt, then Discover would process my account as current with no negative credit reporting. I faxed the forms he needed two business days later, Tuesday. I then spoke to Discover that following Saturday and was told by a supervisor by the name of XXXX in XXXX XXXX XXXX, Utah, that XXXX was completely wrong and that my account was going to be reported 60 days past due, even if I was enrolled in courses for the Fall. She said she has also reviewed the call that I had with XXXX and that XXXX never said my account would become current. She also said that there was no policy on Discover placing my account current due to being enrolled in classes. Not only did this representative lie to me but she only made the effort to collect the past due payment without regard to my enrollment status. She completely lied about the details she " heard '' in the conversation I had with XXXX and she made this clear that she said I was lieing. I ask that the CFPB review all of these calls and not only have Discover fix late credit reporting but also send me their policy on deferments.
Company Response: Closed with explanation

Timely Response

2017-07-24

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: Bad customer service due to closing my discover card account for no wrong doing of any kind A credit check was ran after having this account with discover for over a year Two to three credit line increases, with an excellent payment history XXXX balance at the time discover closed my account A credit limit of {$5900.00} Discover states negative items appeared of credit file and without calling me they closed my account They never verified if negative info was true Or if my identity had been stolen Or if someone else credit file merged with mine
Company Response: Closed with explanation

Timely Response

2017-07-24

Penn Laird, VA

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: Dear FDIC and CFPB I am a customer of Discover Bank, which is regulated by FDIC and which does substantial consumer financial business. On XXXX XXXX XXXX, I received two identical false letters purporting to be from Discover Bank that alleged that we had changed our address from a stated address to the same stated address. We had neither made nor authorized any address change. Puzzled by this repeated false allegation, I feared it might signal that someone had breached Discover Banks security and that this was a signal that account holders files had been breached and that addresses were being changed, or were subject to being changed. I learned from an earlier breach at Discover that account hackers sometimes change account addresses to misdirect the next statement, while they raid the account. So I called a trusted number at Discover and spoke to a Discover employee XXXX XXXX, in XXXX [ All Discover employee name spellings in this message are my phonetic spellings based on verbal exchanges on the phone. ] XXXX referred me to XXXX in XXXX XXXX XXXX a Document Specialist Supervisor who orally reassured me that this is a known problem in which Discover sent out many of these false letters, in duplicate to customers whos addresses had not changed. I explained that I needed a written explanation of what happened that caused this. XXXX explained that they would not be willing to provide a written explanation other than that this was a mistake, and that our account had not been compromised. I said OK send me that. She said she couldnt guarantee that would happen but she would submit a request, and it would take 2-3 business days to submit and any response would take 7-10 business days to reach me. She said they would let me know if they chose to refuse to even confirm this error. She did not. Having heard nothing back from Discover Bank on this inquiry, I called Discover again on XXXX XXXX XXXX and got XXXX XXXX in XXXX who checked and determined that that letter request was declined on XXXX XXXX by one of Discovers customer advocacy agents, XXXX XXXX in our Delaware office, and no one had relayed that information back to XXXX, which explains why I did not hear back from XXXX. XXXX XXXX XXXX MON XXXX I called Discovers Executive Office of Customer Advocacy at XXXX, got XXXX, who transferred me to XXXX XXXX, who several times confirmed that it was declined and finally, on the third request, admitted that she was the one who had declined it, and said that was according to their procedures. I asked who ( individual, executive or office name ) had written that procedure and she said she could not provide any of that information about the authorship of that procedure. She said their email address was XXXX. This letter is to : 1. Notify you, if Discover Bank has not already done so, that Discover Bank says it has sent out many of these duplicate, false letters to account holders, but has declined to provide any written acknowledgment to an affected customer, nor any reassurance that this was not a failure of computer customer data security. 2. Request you, as cognizant government agencies, to require this regulated bank to follow up with all affected customers with at least a reassurance that this was a blunder within the bank and was not a signal of any customer account data breach. 3. Request that you prevent regulated banks from positioning employees in the risky position where they take actions with bank customers based on anonymous Procedures, but are commanded not to reveal the office or officers in the Bank who dictate those procedures. Such managerial cowardice puts customers and individual employees in the position of being unable to identify who is actually responsible for bank actions ( good or bad ) that may hurt consumers, or violate rules, regulations or laws. Recent public reports of employees at XXXX XXXX being disciplined or discharged for evidently following procedures regarding opening new accounts in customer names without the customers knowledge or permission make this a frightening possibility for any bank employee, and a threatening one for consumers. Sincerely, XXXX XXXX XXXX, XXXX. Consumer p.s. I will be on the road XXXX XXXX XXXX, so I will appreciate any response in the normal course, and will be unable to provide substantive email communication during that time.. cc : XXXX
Company Response: Closed with explanation

Timely Response

2017-07-24

Saint Clair, MO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-07-24

Cordova, TN

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2017-07-23

Hornell, NY

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Reporting company used your report improperly
Complaint: XXXX billing services has defaulted accounting practiced in the standard norms. I was provided internet XXXX XXXX by XXXX. I was supposed to have two year contract for their business. But I decided to move to a new place where I was n't provided the same quality services but different quality internet which was on repair status for one week. But then billing statement showed so many flaws .I had also reported to annual credit agencies who works harder with businesses to give fabricated credit report. This is to inform you that amount was charged fraudulently without my notice and permission. I will provide all documentation provided It is related to IRS as well as tax filing only after getting your response.
Company Response: Closed with explanation

Timely Response

2017-07-22

Dallas, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: I applied for Discover student loans consolidation on XX/XX/XXXX, in the amount of XXXX. I was told by the company that you may dispute the claims, and within 30 days there would be an additional soft pull of your credit report once all dispute info was obtained. Customer service stated that they would not be conducting another soft inquiry. On XX/XX/XXXX, My credit was pulled a 2nd time within 30 days without my permission. i have spoken with several managers, who did claim that the practice was wrong, and should not have been conducted as I was told something different, than what was done. Here we are, XX/XX/XXXX, and the inquiry has yet to removed from XXXX. This is the only inquiry left, discover removed them from the rest of my accounts. Discover claims to have submitted to the credit bureaus, but this is currently showing on my report. Please help. I have been speaking with supervisor XXXX, who has helped tremendously, but this has extended too far.
Company Response: Closed with explanation

Timely Response